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Property development · Ireland
Property development
finance in Ireland.
Developing new homes, converting a building or taking a commercial property project forward? We arrange property development finance and bridging loans through specialist lenders, matching the funding to your site, build programme and plan to sell or refinance. This is business finance for property developers, not a personal mortgage.
Property development finance
For new-build housing, commercial developments, conversions and substantial redevelopment projects.
- Assessed against the site, build costs and expected completed value
- Planning status, project feasibility and developer experience matter
- Your own contribution and a realistic contingency are considered
- Staged drawdowns and progress monitoring agreed with the lender
- A clear sale or refinance strategy to repay the facility
Bridging loans for developers
Short-term property-backed finance for a purchase or refinance while you prepare the next stage of a project or complete a sale.
- Property bridging from €250,000
- Up to 75% loan-to-value, subject to valuation and lender assessment
- Typically arranged over 12 months, with the term agreed for the deal
- Site and property suitability assessed individually
- Repayment must not depend on an assumed extension or guaranteed refinance
Property finance is secured against the property. Lending is subject to assessment, valuation and legal checks; your contribution, fees and any guarantees depend on the project. If repayments or the agreed exit cannot be met, the property used as security is at risk.
From site purchase to completion
Finance that fits your build programme
Site acquisition, groundwork, construction and finishing costs arrive long before a completed property can be sold. Development finance needs to reflect those stages, with room for professional fees, delays and a sensible cost contingency.
We look at the project as a whole: what you are buying, what you intend to build, who will deliver it and how the facility will be repaid. The lender may release construction funding in stages, subject to progress checks. A strong completed-value estimate matters, but so does evidence that the project can be delivered within its budget and timeframe.
Our secured business loans page explains property-backed lending. For work on existing buildings, see renovation and refurbishment finance. If you build for other owners rather than developing your own property, see construction business loans.
What to have ready
- Site or property details, purchase price or current value, and existing borrowing.
- Planning permissions, drawings and any relevant conditions or approvals.
- A detailed build budget, programme, contractor quotes and contingency.
- Your development experience, project team, accounts and recent bank statements.
- Your contribution, expected completed value and evidence supporting a sale or refinance exit.
Fees and the full project cost
Pricing depends on the project, security, experience and risk. Compare interest, arrangement fees, valuation and monitoring costs, legal fees and any exit fees. Check how interest is paid or added to the facility, as this affects the money available for the works and the amount due at the end.
We do not charge you a broker fee; lenders pay us a commission when your loan completes. We’ll help you compare the proposed terms and drawdown conditions before you decide.
Guides for your industry
4 November 2026
When Secured Business Lending Makes Sense in Ireland
When secured business lending suits Irish SMEs: property, equipment and invoice-backed finance, repayment planning, costs and personal guarantees explained.
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6 November 2026
Finance for Small Construction Companies in Ireland: What's Available and How to Line It Up
Most small builders are not short of work — the squeeze is cash flow. How unsecured loans, bridging finance and development finance each fit a different problem for Irish construction firms.
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27 October 2026
How to Prepare a Cash Flow Forecast for Your Small Business
A step-by-step guide to building a 12-month cash flow forecast for your small business in Ireland, with a worked example, a simple template layout and tips for keeping a rolling forecast up to date.
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Common questions
Can you arrange finance for a new-build development in Ireland?
Yes, new-build projects can be considered alongside conversions and redevelopment. Lenders assess the location, planning status, build budget, developer experience, expected completed value and repayment strategy. Availability and terms depend on the individual project.
Can development finance cover the site purchase and construction?
Potentially, the acquisition and build can be assessed together. The lender agrees what it will fund, your contribution and how money is released as the works progress. Do not assume that the full purchase price and every construction cost will be covered.
When would a bridging loan be more suitable?
Bridging can suit a short-term purchase or refinance before a sale or longer-term funding. Property bridging starts from €250,000, with lending up to 75% loan-to-value subject to assessment. It is not a substitute for a fully costed development facility, and the way you will repay needs to be credible.
Do I need planning permission before applying?
Tell us the current planning status and provide any permissions and conditions you have. Lenders assess planning risk and may require permissions before committing or releasing funds. A site awaiting permission should not be treated as automatically eligible.
Can contractors get finance if they do not own the development?
Yes, but the funding need is different. Working capital or equipment finance for a contractor is assessed against its business rather than a developer's property. Our construction business loans page covers funding for wages, materials and plant on client projects.
Free to you. Lenders pay us a commission when your loan completes. How we get paid